James Toliver, CFA Executive Director, Advisory Services Balance Sheet Solutions, LLC

"My background of working in the credit union industry for over 18 years lends insight into the needs of our members. Beginning as a credit union member of Mid-States Corporate, and now an employee of Balance Sheet Solutions, in one capacity or another I have seen first-hand the value we provide. The infrastructure and expertise at Members United Corporate, as well as Balance Sheet Solutions, has seemed at times like a well-kept secret. With our expanded framework of expertise and products, including the Investment Advisory Service provided through the Financial Strategies Group, we are getting the word out. Great things

are happening at Balance Sheet Solutions, and we are striving to make sure our members are aware of, and benefit from, the additional value."

As Executive Director, Advisory Services, Jim is responsible for the overall coordination of the Investment Advisory services and products. Jim has over 20 years of experience in investments, capital markets, and the financial services industry.

Prior to this position, Jim was Chief Risk Officer at Mid-States Corporate FCU. He started his professional career in the capital markets with Bear Stearns, adding practical market experience to his academic background. Jim then went to First Nationwide, entering their management trainee program. There Jim received training and served internships in each key function of banking. Jim took this formal training to credit unions becoming the CEO of NARDA Credit Union for nine years. He also served as Vice President/Controller for Motorola Employee's Credit Union, followed by serving Alliant Credit Union as the Director of Investments.

Jim received his Bachelor's Degree in Finance from Arizona State University. He is a CFA Charter Holder, and is a member of the Investment Analysts Society of Chicago, and the CFA Institute.